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Health Benefits

Offering health insurance in this country is not mandatory, but providing these additional health benefits can greatly enhance the healthcare experience for employees by enabling access to a wider range of providers and specialists, as well as significantly reducing wait times.

Remote offers five different health insurance plans, each with varying levels of coverage and benefits, allowing you to tailor benefits to meet the specific needs of your team.

The Basic plan includes 80% co-insurance for health services, 100% out-of-country coverage, limited paramedical services, and basic dental and vision care. The Standard plan offers enhanced coverage with 90% co-insurance, higher limits for paramedical services, and more comprehensive dental and vision care. The Plus plan provides 100% co-insurance, private hospital rooms, and broader coverage for drugs and paramedical services, along with orthodontic coverage. The Premium plan further extends coverage with higher limits for dental and vision care and a more extensive range of paramedical services. The Premium Enhanced plan includes all the benefits of the Premium plan, plus additional coverage for gender affirmation care and increased limits for various services.

If a Family plan is provided through Remote, the Canadian team members will have the opportunity to add dependents. If a team member does not add dependents, the charge will be at the Single rate for their plan. We strongly recommend providing the Family plan, as it is customary in Canada to extend health insurance coverage to include dependents. In Quebec, it is mandatory for employees with a private medical plan to enroll their dependents. Therefore, the Family plan must be offered. The benefit rules in Quebec are regulated by RAMQ (The Régie de l’assurance maladie du Québec is the government health insurance board in the province of Quebec, Canada). Additional information about this legislation can be found here .

Remote also provides a Single plan option, which will be applied to all employees in the country (current and future), and team members will not have the option to add dependents, even at their own cost.

  • Basic

    Health Insurance

    • 80% co-insurance with no deductible
    • Semi-private hospital rooms
    • Private duty nursing care (maximum $10,000 per 12 months per condition)
    • Medical services & supplies coverage (reasonable and customary limits apply)

    Out of Country Coverage

    • 100% co-insurance with an unlimited lifetime maximum
    • 60-day trip coverage

    Drugs

    • 80% reimbursement with no deductible
    • Mandatory generic coverage with no substitutions
    • Maximum $5,000 per calendar year

    Paramedical Practitioners

    • $300 per practitioner per year
    • Includes acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist, and psychologist

    Virtual Health & Second Medical Opinion

    Included

    Vision Care

    • Lenses, frames, and laser eye surgery: $250 every 24 months
    • Eye exams: 1 every 24 months
    • 100% co-insurance with no deductible

    Dental Care

    • No deductible
    • 80% co-insurance for basic services
    • Maximum $1,000 per calendar year

    Basic Life Insurance

    Flat $25,000 coverage

    Accident, Death and Dismemberment (AD&D)

    Equal to life insurance coverage

    Dependent Life

    Not covered

    Short-term Disability

    Not covered

    Long-term Disability

    Not covered

    Gender Affirmation Care

    Not covered

  • Standard

    Health Insurance

    • 90% co-insurance with no deductible
    • Semi-private hospital rooms
    • Private duty nursing care (maximum $10,000 per 12 months per condition)
    • Medical services & supplies coverage (reasonable and customary limits apply)

    Out of Country Coverage

    • 100% co-insurance with an unlimited lifetime maximum
    • 60-day trip coverage

    Drugs

    • 90% reimbursement and $7 dispensing fee cap
    • Mandatory generic coverage with no substitutions
    • Maximum $100,000 per calendar year

    Paramedical Practitioners

    • $500 per practitioner per year
    • $1,000 for mental health practitioners
    • Combined $2,000 overall max
    • Includes acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist, and psychologist

    Virtual Health & Second Medical Opinion

    Included

    Vision Care

    • Lenses, frames, and laser eye surgery: $350 every 24 months
    • Eye exams: 1 every 24 months
    • 100% co-insurance with no deductible

    Dental Care

    • No deductible
    • 80% co-insurance for basic services
    • 50% co-insurance for major services
    • Combined maximum of $1,000 per calendar year

    Basic Life Insurance

    1x annual earnings up to a maximum $250,000

    Accident, Death and Dismemberment (AD&D)

    Equal to life insurance coverage

    Dependent Life

    • $5,000 coverage for spouse
    • $2,500 per dependent child

    Short-term Disability

    • 66.7% of weekly earnings up to a maximum of $900
    • Waiting period of 0 days for accident and hospital
    • 16 weeks benefit duration
    • Taxable benefit payments

    Long-term Disability

    • 66.7% of first $4,500 of monthly earnings
    • 50% of remainder up to a maximum of $5,000
    • Waiting period of 112 days
    • Taxable benefit payments

    Gender Affirmation Care

    Not covered

  • Plus

    Health Insurance

    • 100% co-insurance with no deductible
    • Private hospital rooms
    • Private duty nursing care (maximum $15,000 per 12 months per condition)
    • Medical services & supplies coverage (reasonable and customary limits apply)

    Out of Country Coverage

    • 100% co-insurance with an unlimited lifetime maximum
    • 60-day trip coverage

    Drugs

    • 100% reimbursement and $10 dispensing fee cap
    • Mandatory generic coverage with no substitutions
    • Fertility drugs, vaccines, and smoking cessation drugs covered
    • Unlimited lifetime maximum

    Paramedical Practitioners

    • $750 per practitioner per year
    • $1,250 for mental health practitioners
    • Combined $2,000 overall max
    • Includes acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist, and psychologist

    Virtual Health & Second Medical Opinion

    Included

    Vision Care

    • Lenses, frames, and laser eye surgery: $350 every 12 months
    • Eye exams: 1 every 12 months
    • 100% co-insurance with no deductible

    Dental Care

    • No deductible
    • 100% co-insurance for basic services
    • 50% co-insurance for major services
    • Combined maximum of $2,000 per calendar year
    • 50% co-insurance for orthodontic services, with a lifetime maximum of $2,000 per individual or dependent child

    Basic Life Insurance

    2x annual earnings up to a maximum $500,000

    Accident, Death and Dismemberment (AD&D)

    Equal to life insurance coverage

    Dependent Life

    • $10,000 coverage for spouse
    • $5,000 per dependent child

    Short-term Disability

    • 70% of weekly earnings up to a maximum of $1,500
    • Waiting period of 0 days for accident and hospital
    • 16 weeks benefit duration
    • Taxable benefit payments

    Long-term Disability

    • 70% moon a maximum of $15,000
    • Waiting period of 112 days
    • Taxable benefit payments

    Gender Affirmation Care

    Not covered

  • Premium

    Health Insurance

    • 100% co-insurance with no deductible
    • Private hospital rooms
    • Private duty nursing care (maximum $15,000 per 12 months per condition)
    • Medical services & supplies coverage (reasonable and customary limits apply)

    Out of Country Coverage

    • 100% co-insurance with an unlimited lifetime maximum
    • 60-day trip coverage

    Drugs

    • 100% reimbursement with no deductible
    • Mandatory generic coverage with no substitutions
    • Fertility drugs, vaccines, and smoking cessation drugs covered
    • Unlimited lifetime maximum

    Paramedical Practitioners

    • $1,000 per practitioner per year
    • $2,000 for mental health practitioners
    • Includes acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist, and psychologist

    Virtual Health & Second Medical Opinion

    Included

    Vision Care

    • Lenses, frames, and laser eye surgery: $500 every 12 months
    • Eye exams: 1 every 12 months
    • 100% co-insurance with no deductible

    Dental Care

    • No deductible
    • 100% co-insurance for basic services
    • 60% co-insurance for major services
    • Combined maximum of $2,500 per calendar year
    • 60% co-insurance for orthodontic services, with a lifetime maximum of $2,500 per individual or dependent child

    Basic Life Insurance

    3x annual earnings up to a maximum $1,000,000

    Accident, Death and Dismemberment (AD&D)

    Equal to life insurance coverage

    Dependent Life

    • $20,000 coverage for spouse
    • $10,000 per dependent child

    Short-term Disability

    • 75% of weekly earnings up to a maximum of $3,500
    • Waiting period of 0 days for accident and hospital
    • 16 weeks benefit duration
    • Taxable benefit payments

    Long-term Disability

    • 75% moon a maximum of $20,000
    • Waiting period of 112 days
    • Taxable benefit payments

    Gender Affirmation Care

    Not covered

  • Premium Enhanced

    Health Insurance

    • 100% co-insurance with no deductible
    • Private hospital rooms
    • Private duty nursing care (maximum $20,000 per 12 months per condition)
    • Medical services & supplies coverage (reasonable and customary limits apply)

    Out of Country Coverage

    • 100% co-insurance with an unlimited lifetime maximum
    • 60-day trip coverage

    Drugs

    • 100% reimbursement with no deductible
    • Mandatory generic coverage with no substitutions
    • Fertility drugs, vaccines, and smoking cessation drugs covered
    • Unlimited lifetime maximum

    Paramedical Practitioners

    • $1,000 per practitioner per year
    • $2,000 for mental health practitioners
    • Includes acupuncturist, chiropractor, dietician, physiotherapist, massage therapist, osteopath, speech therapist, naturopath, podiatrist, and psychologist

    Virtual Health & Second Medical Opinion

    Included

    Vision Care

    • Lenses, frames, and laser eye surgery: $500 every 12 months
    • Eye exams: 1 every 12 months
    • 100% co-insurance with no deductible

    Dental Care

    • No deductible
    • 100% co-insurance for basic services
    • 60% co-insurance for major services
    • Combined maximum of $2,500 per calendar year
    • 60% co-insurance for orthodontic services, with a lifetime maximum of $2,500 per individual or dependent child

    Basic Life Insurance

    3x annual earnings up to a maximum $1,000,000

    Accident, Death and Dismemberment (AD&D)

    Equal to life insurance coverage

    Dependent Life

    • $20,000 coverage for spouse
    • $10,000 per dependent child

    Short-term Disability

    • 75% of weekly earnings up to a maximum of $3,500
    • Waiting period of 0 days for accident and hospital
    • 16 weeks benefit duration
    • Taxable benefit payments

    Long-term Disability

    • 75% moon a maximum of $20,000
    • Waiting period of 112 days
    • Taxable benefit payments

    Gender Affirmation Care

    Surgical and other procedures for male-to-female and female-to-male transitions, including Augmentation mammoplasty, Thyroid chondroplasty amd LaryngoplastyMaximum coverage of $40,000 CAD